OldMeg, yes, this - thanks for your comment.
It is a very difficult issue- like Gillybob, cat. 1 and 2 are fairly easy to accept- 3 less so. But as with many things, we often react with the personal experiences we know, and the people we know who are affected.
I have 3 trans friends. One had the full reversal aged 20. You would never ever know. Small hands and feet, pette, lovely voice, no-one could ever guess. The other is 58 and had the reversal 9 years ago. She is very tall, strong, and still has very much a man's voice. At a Fête some years back, our guest from UK came out of the toilets and said 'there is a pervert in there- disgusting- I was scared'. The poor trans was really upset aand shaken. We have got to know her well since then. She had heard us speak English (no-one else spoke English there... rural Fête in the mountains) and as she speaks good English, had spoken to her to mae her feel welcome. A totally innocent ' welcome to the Fête, hope you are enjoying it ... or btw where are you from' kind of thing. Because she is tall and not a feminine beauty, she gets that reaction a lot, because she can look a bit like a 'tranny', although she has, with the help of her daughter, learnt to dress better and tone down the make up to be more natural.
So the first one could be in a woman's ward, and you'd never know. The second one would also have to be in a woman's ward- and could make some other women feel uncomfortable. Perhaps me too- until I had spoken to her and realised what a nice person she is, and the journey she has gone through.
The third identifies as a woman - but because of massive pressure from her very religious parents, managing the family business, etc- she ony realised this 100% after her parents died. Massive break-down, attempted suicide, anorexia - at 56. She managed to get better- but aged 58, she realised that there was no way she could go through the reversal at ther age. So she has had to accept it would not happen - she dresses clasically, demurely, does not overdo make up in every day life - often wears lovely silk or linen trouser suits with low heels, and a good quality, discreet handbag. But yes - she identifies as a 'she' but she still has all her tackle, in your words. Does that make here a risk to other women- NO, not at all. Men who identify as women, tackle or not- are absolutely no risk to other women, for sure. Certainly a lot less than many other men who are strongly attracted to females.
What the answer is, I do not know. But I'd happily share award, or a WC with either of those 3.